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Hi,

Has anyone managed to get an insurance quote on the F56 yet? I was wondering if anyone has any suggestions as to who I should try, DirectLine are offering £510 per year at the moment which seems a little high in my opinion.

Thanks
SM
 

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Its a hard thing to compare as there are so many variables. But for me, I'm £156 FC with Privilege for my MCS (cheaper than my current diesel RCZ, crazy!)

Bearing in mind I'm 39, 20 years NCB, no points, rural Aberdeenshire. Aberdeenshire isn't very cheap for insurance these days, a lot of cars stolen to order due to oil cash and ridiculously expensive cars....
 

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I paid £290 (which incl excess protection) on my JCW. that was fully comp and incl business use but I did agree to £300 voluntary excess to try to keep the premium down. I am over 50 and have no points or claims. The down side was that the policy is with Sheila's Wheels which means I have to dress up in woman's clothing twice a year !!!
 

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I just went through confused.com to see what I might be in for... and I was pleasantly surprised. All the quotes were cheaper than for my current old Ford Puma.

The new mini is in a lower group (20 vs 25), but I thought new vs old car would give a much higher premium, but it doesn't. One explanation I heard was that new cars are much safer, so claims will have lower medical costs, but who knows how they work it out.

Anyway, new mini insurance... nothing to worry about.
 

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i have multi car with aviva... £650 for my F56 MCS and a ford 2014 kuga
no extra cost over my previous 2012 mcs as fall in the same price bracket £16>24k

im ~40, with full no claims and no points...
 

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Vary from about £110 to £130 on comparison sites with protected NCB for an MCP, which is less than my current Toyota IQ, which is very strange...but I am not complaining!
Over 60 though, which sometimes is a good thing.
 

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I find Direct Line to be one of the most expensive insurance companies.

I'd give esure a try, they always come up cheapest for me
 

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Ah OK, I wondered what happened if you had a period with no car... couldn't they suspend the policy for a bit and then carry on with the new car when you get it?

Similarly, what happens if you get stuck with two cars for a while... can you have two on one policy for a week or two? I need to try and avoid that...
 

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Ah OK, I wondered what happened if you had a period with no car... couldn't they suspend the policy for a bit and then carry on with the new car when you get it?

Similarly, what happens if you get stuck with two cars for a while... can you have two on one policy for a week or two? I need to try and avoid that...
They can suspend the policy if I was getting the new car within the life of the policy ...

If previous policy runs until July 20th and new car is deliver before July 20th - they can suspend. If it is due to arrive after July 20th then they can't suspend. That's what Aviva said anyway!!
 

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Ah OK, I wondered what happened if you had a period with no car... couldn't they suspend the policy for a bit and then carry on with the new car when you get it?

Similarly, what happens if you get stuck with two cars for a while... can you have two on one policy for a week or two? I need to try and avoid that...
I have always added a 2nd car onto my policy during the time when I'm trading. So if for example I'm due to pick up a new car on Tuesday, I'll keep the old one on cover for an extra day or 2, just in case something goes wrong. It does cost extra....only another £20 or so, but covers your back.

Don't forget that Mini also provides 7 days of free insurance (it's quicker for the dealer as they can get the cover note faxed to them, to get road tax etc), but the excess is quite high. I usually cancel it when I've sorted out my own insurance, but take it out to enable the dealer to get my road tax sorted.
 

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Does anyone know if we have to mention the sports pack to insurance if I got that as an option? I'm not sure wether to claim it as a "modification" since it is a factory fitted option. Doesn't help that I'm a young driver as well, so claiming it as a modification either increases my premiums by so much or they don't even quote me at all
 

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Does anyone know if we have to mention the sports pack to insurance if I got that as an option? I'm not sure wether to claim it as a "modification" since it is a factory fitted option. Doesn't help that I'm a young driver as well, so claiming it as a modification either increases my premiums by so much or they don't even quote me at all
No as factory fit and in the original spec of the car.
 

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Does anyone know if we have to mention the sports pack to insurance if I got that as an option? I'm not sure wether to claim it as a "modification" since it is a factory fitted option. Doesn't help that I'm a young driver as well, so claiming it as a modification either increases my premiums by so much or they don't even quote me at all
It depends on the insurance company.
Some treat factory options the same way they would treat modifications and will charge a lot more.
Others just want to know what’s there but don’t increase the premium by much at all. Some don’t care.

What’s important is what your insurers expect though, so always ask. You really don’t want to find out after a crash.

Personally I am happier if options are listed, as in the event of a claim you can use them to agree a settlement figure. It’s particularly important with a Mini where the options might add 25% to the cost of a car. Would you be happy with a payout for a base spec car if yours has JCW chilli pack, leather seats, HK stereo and so on?
 

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I recently looked into this. I bet you if you got the car second hand and it had a JCW spoiler fitted after it as made at the dealer that new owner would likely not know it wasn't factory and probably hasn't told insurance company.

It's a big grey area I think.

I bet there are also thousands of drivers with official body kits that don't know they were not fitted in the factory and are not declaring it.

I was told everything should be declared factory or not.

I don't think it's fair a factory version could pay less than say a standard car of the same engine adding exact the same parts paying more for their insurance
 
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